RANKING ·
Lowest efficiency ratio in Maine
21 of 22 banks in Maine that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Northeast Bank | Portland, ME | 35.9% | $5.2 billion |
| 2 | First National Bank | Damariscotta, ME | 50.0% | $3.2 billion |
| 3 | Camden National Bank | Camden, ME | 54.3% | $6.9 billion |
| 4 | Bar Harbor Bank and Trust Company | Bar Harbor, ME | 54.7% | $4.7 billion |
| 5 | Maine Community Bank | Portland, ME | 62.6% | $3.0 billion |
| 6 | Machias Savings Bank | Machias, ME | 65.8% | $2.7 billion |
| 7 | Bath Savings Institution | Bath, ME | 65.9% | $1.5 billion |
| 8 | Norway Savings Bank | Norway, ME | 67.2% | $2.2 billion |
| 9 | Kennebunk Savings Bank | Kennebunk, ME | 67.2% | $2.2 billion |
| 10 | Katahdin Trust Company | Patten, ME | 67.7% | $1.2 billion |
| 11 | Franklin Savings Bank | Farmington, ME | 68.8% | $787 million |
| 12 | Androscoggin Savings Bank | Lewiston, ME | 72.0% | $1.8 billion |
| 13 | Aroostook County Federal Savings & Loan Association | Caribou, ME | 72.9% | $214 million |
| 14 | Kennebec Savings Bank | Augusta, ME | 73.2% | $1.9 billion |
| 15 | Partners Bank of New England | Sanford, ME | 75.5% | $1.1 billion |
| 16 | Skowhegan Savings Bank | Skowhegan, ME | 75.6% | $855 million |
| 17 | Bar Harbor Savings and Loan Association | Bar Harbor, ME | 82.0% | $103 million |
| 18 | Bangor Savings Bank | Bangor, ME | 82.8% | $7.7 billion |
| 19 | First Federal Savings and Loan Association of Bath | Bath, ME | 86.4% | $189 million |
| 20 | Saco & Biddeford Savings Institution | Saco, ME | 90.3% | $1.5 billion |
| 21 | Auburn Savings Bank FSB | Auburn, ME | 96.1% | $103 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings